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Mortgage Protection Insurance

If you are a home owner, it is important to do all you can to protect your home and your family if an accidental death prevents you from paying your mortgage. Mortgage Protection Insurance from Globe Life is an accidental death and dismemberment insurance policy that gives your family security in their home for just a fraction of your monthly mortgage payment.

Don t Put Your Home At Risk

Acceptance is guaranteed, regardless of health if you are between the ages of 18 and 69.

No health questions or medical exams.

The affordable monthly premiums will never increase for any reason.

Rates as low as $5.50 per month.

Your Mortgage Protection Insurance Also Includes These Additional Guaranteed Benefits At NO EXTRA COST

Inflation BenefitFor every year the Policy remains continuously in force, primary insured s Principal Benefit will automatically be increased by 5% of the Initial Principal Benefit until the Principal Benefit is equal to 125% of the Initial Principal Benefit, or the primary insured turns age 70, whichever is earlier.

Education BenefitUpon the accidental death of the primary insured, pays an additional 10% of the death benefit for each dependent child who, on the date of the accident, is between the ages of 15 and 22. Available only on the Family Plan and limited to $10,000.

Seat Belt BenefitPays 10% of the insured s Principal Benefit if the insured suffers an accidental death while operating or riding in a car and wearing a seat belt.

Common Disaster BenefitPays 10% of the insured s Principal Benefit if the insured suffers an accidental death while operating or riding in a car and wearing a seat belt.

Dismemberment BenefitPays for loss of a hand, foot or eye subject to a table of losses.

Paralysis BenefitCovers quadriplegia, paraplegia and hemiplegia subject to a table of losses.

Commercially Scheduled Airline BenefitPays an additional benefit amount equal to the insured s Principal Benefit for each insured at the time of death from accidental bodily injury received as a fare-paying passenger on a commercially scheduled airline.

No-Risk 30-Day Money-Back Guarantee

Globe Life guarantees your satisfaction with a no-risk 30-day money-back guarantee. If you are not completely satisfied, simply return your policy within the first 30 days for a full refund without further obligation.

Insurance Selections

About Us

About Globe Life

Jobs

Contact Us

*$1 pays for the first month of children s coverage. Then the rate is based on your child s present age and is guaranteed to stay the same for the rest of their life. Policy Form # GWL20001 or GWLA001 *$1 pays for the first month s adult coverage. Then the rate schedule is based on your current age and is guaranteed for the life of the policy. Policy Form # SRTCV/SRTCV13 **A.M. Best Company rating as of 6/16. For the latest rating, access www.ambest.com.

Globe Life has been protecting America s families since 1951

Globe Life continues to receive an A+ (Superior)** rating from A.M. Best Company (rating as of 6/16)

GMADW08 2005-2016 Globe Life And Accident Insurance Company, Oklahoma City, OK All Rights Reserved.Licensed in the United States CA Certificate Authority #4140

Simple Online Form Fast Access to Funds

LoanSolo.com is not a lender and does not provide short term or online personal loans but refers consumers to the lenders who may provide such loans. LoanSolo.com is unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you are approved for a loan. APRs depend on multiple factors, including the lender’s requirements and offers, your credit worthiness, your state of residence, and the type and term of the loan you request. You will be given the details on the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement during the loan request process.

The APR on a short term loan can range from 200% to 2,290% depending on how the APR is calculated (nominal vs. effective), the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on. See a Representative Example

Borrow $200 for 14 days with a $30 to $60 lender fee. Your estimated APR is 391% to 782% Calculation: (lender fee / loan amount) x (amount of days in a year / duration of the loan) x 100 Low End of Range: ($30 / $200) * (365 days / 14 days) x 100 = 391.07% High End of Range: ($60 / $200) * (365 days / 14 days) x 100 = 782.14%Payday loans are relatively expensive when compared with other loan products. Payday loans are not recommended as a long term financial solution and they should only be taken for emergency financial needs.

The APR on online personal loans can reach up to 1,386% depending on the lender’s terms, borrower’s residence state, the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan extension plan, and other factors. Some states cap APR and the amounts of charges for online personal loan.

Implications of Late Payment

You are encouraged to contact your lender as soon as possible if you are unable to repay your loan on the scheduled repayment date or make regular installment payment on time. Your lender may set late payment fees in accordance with state regulations, and your lender has several courses of action to deal with late payment. For more information about your lender’s specific procedures as they apply to late payments, please review your loan agreement or contact your lender directly. Origination, documentation and other additional fees may apply to your online personal loan deal. Late payment, non-payment fees and other penalties may apply to both short term and online personal loan deals in case of missed payments. Please review your loan agreement carefully for information about the financial implications before you provide your electronic signature.

Implications of Non-Payment

The costs associated with loans of up to $500 can range from 15% to 40% of the entire loan amount, and the charges associated with loans of more than $500 can be even more. Your lender may also charge you late fees as well as fees for non-sufficient funds. As an example, your lender may charge you a $20 nonsufficient funds fee as well as 15% of the loan balance as a late fee. Please review your loan agreement carefully for information about the financial implications of non-payment before you provide your electronic signature.

Non-payment may involve debt collection practices as it is set by applicable law. The majority of the lenders in our network do not intend to sell your debt to outside collection agencies. Instead, they will attempt to collect the debt in-house via telephone, email, postal mail or even text message. Similarly, they will not threaten criminal charges or sue borrowers; they will generally offer debt settlements over time instead. Every lender in our network is required to adhere to the Fair Debt Collection Practices Act, which protects consumers from being abused or harassed by debt collectors.

Impact on Credit Score +

Lenders are within their rights to report your failure to repay a loan to one or all of the major credit reporting agencies — Experian, Equifax and Transunion. This negative record can be reflected on your credit history indefinitely until the loan is repaid in full. After the lenders receive payment in full, they can report it to the credit reporting agencies. We remind that late payment or non-payment of your loan can have negative impact on your credit history.

Some of the lenders in our network may automatically renew your short term loan if it becomes past due. This term is clearly identified in your loan agreement. You should check your loan agreement for your lender’s policy on automatic loan renewal prior to e-signing it. If your loan is renewed, there will be additional charges as determined by your lender, and the minimum term can be set up. Your lender may offer you other options in addition to renewal, including the ability to repay your loan in full at a later date or repay your loan over time in a series of installments.

Legal Disclaimer: This website does not constitute an offer or solicitation to lend. LoanSolo.com is not a lender and does not make loans or credit decisions. Loansolo.com provides a matching service only and is not acting as a representative, agent, or correspondent for any of the lenders we contract with. Loansolo.com does not charge a service fee. Loansolo.com does not control and is not responsible for the actions or inactions of any lender. Loansolo.com does not endorse any particular lender or loan product. You are under no obligation to use the service, initiate contact, or request credit with any of the lenders. This service is not available in all states. The residents of Arkansas, New York, Vermont and West Virginia will not be able to use the service of the website. Service availability and scope are subject to change without notice. Subject to our privacy policy, loansolo.com will transfer your information to lenders in our program and other service providers and marketing companies with which we do business who may or may not offer payday loans up to $1,000 and online personal loans up to $3,000. Loansolo.com does not guarantee that completing an online form will result in your being matched with a lender, being offered a loan product with satisfactory rates or terms, or a loan product of the requested sum or desirable terms, or receiving any approval from a lender in the first place.

Credit Check: Participating lenders may verify your social security number, driver license number, national id, or any other state or federal identifications and review your information against national databases, including but not limited to Equifax, TransUnion, and Experian, to determine your credit worthiness, credit standing and/or credit capacity. By submitting your information via our online form on this website, you agree to allow any and all participating lenders to verify your information and check your credit. Not all the lenders in our network can provide up to $1,000 in payday loans and $3,000 in online personal loans. The limits and regulations vary from state to state. Cash transfer times and terms may vary from lender to lender.

Consumer Notice: We remind that payday loans and online personal loans for small dollar amounts are not a long term financial solution. These credit options imply relatively high interest rates and become a very costly solution if used improperly. Consumers that seek funds for longer terms or debt relief should consult credit advisor prior to making credit decisions of taking a short term or an online personal loan for small dollar amount.

Mortgage applications up 8.8% as buyers look to lower rates

Defying expectations for the start of 2016, mortgage rates spiraled down further last week, spurring more volume in the mortgage market. Total applications increased 8.8 percent on a seasonally adjusted basis last week from the previous week, according to the Mortgage Bankers Association.

Refinance applications were behind much of the surge, rising 11 percent from the previous week, seasonally adjusted. The results include an adjustment for the Martin Luther King Jr. holiday.

Borrowers are clearly seeing the rate drop as perhaps a last opportunity to seize on historically low rates. Refinance volume is still down 30 percent from the same week a year ago, when mortgage rates were even lower. Most economists predict that interest rates will rise steadily through 2016, although plunging equity markets in the U.S. and overseas have trumped that premise so far.

The average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances ($417,000 or less) decreased to its lowest level since October, 4.02 percent, from 4.06 percent, with points decreasing to 0.40 from 0.41 (including the origination fee) for 80 percent loan-to-value ratio loans.

A home mortgage sign on a Wells Fargo branch in Brooklyn, New York.

“As a result of more financial market volatility and continued flight to quality by investors, mortgage rates have decreased 18 basis points since the first week of January 2016,” said Joel Kan, an MBA economist. “With a 30-year fixed rate of 4.02 percent in the most recent week, the refinance index was at its highest since the week ending October 1, 2015, a week when rates were 3.99 percent, and there was a rush of applications before the Know Before You Owe rule implementation deadline.”

That new rule from federal regulators, designed to protect borrowers, was widely expected to delay loan closings, and recent Realtors’ confirm that it did.

Mortgage applications to purchase a home increased 5 percent week-to-week, seasonally adjusted, and were 22 percent higher than the same week one year ago. Homebuyers are less sensitive to weekly rate moves, as they are facing a much bigger issue in the market today, namely a lack of homes for sale and fast-rising prices.

Home sales rebounded in December, but largely due to the new mortgage rule that delayed some closings into December. Real estate agents are not looking for the same growth in January, as decade-low supply continues to plague neighborhoods nationally.

“At Redfin we are seeing one of the slowest starts to the year that we’ve seen in a long time. Lots of people are touring homes but few are making offers,” said Nela Richardson, chief economist the real estate brokerage. “Even where there is inventory, a lot of it is overpriced or unappealing. Homebuyers this year are motivated but not desperate, and they refuse to overpay.”

Mortgage Protection Insurance

If you are a home owner, it is important to do all you can to protect your home and your family if an accidental death prevents you from paying your mortgage. Mortgage Protection Insurance from Globe Life is an accidental death and dismemberment insurance policy that gives your family security in their home for just a fraction of your monthly mortgage payment.

Don t Put Your Home At Risk

Acceptance is guaranteed, regardless of health if you are between the ages of 18 and 69.

No health questions or medical exams.

The affordable monthly premiums will never increase for any reason.

Rates as low as $5.50 per month.

Your Mortgage Protection Insurance Also Includes These Additional Guaranteed Benefits At NO EXTRA COST

Inflation BenefitFor every year the Policy remains continuously in force, primary insured s Principal Benefit will automatically be increased by 5% of the Initial Principal Benefit until the Principal Benefit is equal to 125% of the Initial Principal Benefit, or the primary insured turns age 70, whichever is earlier.

Education BenefitUpon the accidental death of the primary insured, pays an additional 10% of the death benefit for each dependent child who, on the date of the accident, is between the ages of 15 and 22. Available only on the Family Plan and limited to $10,000.

Seat Belt BenefitPays 10% of the insured s Principal Benefit if the insured suffers an accidental death while operating or riding in a car and wearing a seat belt.

Common Disaster BenefitPays 10% of the insured s Principal Benefit if the insured suffers an accidental death while operating or riding in a car and wearing a seat belt.

Dismemberment BenefitPays for loss of a hand, foot or eye subject to a table of losses.

Paralysis BenefitCovers quadriplegia, paraplegia and hemiplegia subject to a table of losses.

Commercially Scheduled Airline BenefitPays an additional benefit amount equal to the insured s Principal Benefit for each insured at the time of death from accidental bodily injury received as a fare-paying passenger on a commercially scheduled airline.

No-Risk 30-Day Money-Back Guarantee

Globe Life guarantees your satisfaction with a no-risk 30-day money-back guarantee. If you are not completely satisfied, simply return your policy within the first 30 days for a full refund without further obligation.

Insurance Selections

About Us

About Globe Life

Jobs

Contact Us

*$1 pays for the first month of children s coverage. Then the rate is based on your child s present age and is guaranteed to stay the same for the rest of their life. Policy Form # GWL20001 or GWLA001 *$1 pays for the first month s adult coverage. Then the rate schedule is based on your current age and is guaranteed for the life of the policy. Policy Form # SRTCV/SRTCV13 **A.M. Best Company rating as of 6/16. For the latest rating, access www.ambest.com.

Globe Life has been protecting America s families since 1951

Globe Life continues to receive an A+ (Superior)** rating from A.M. Best Company (rating as of 6/16)

GMADW08 2005-2016 Globe Life And Accident Insurance Company, Oklahoma City, OK All Rights Reserved.Licensed in the United States CA Certificate Authority #4140

Simple Online Form Fast Access to Funds

LoanSolo.com is not a lender and does not provide short term or online personal loans but refers consumers to the lenders who may provide such loans. LoanSolo.com is unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you are approved for a loan. APRs depend on multiple factors, including the lender’s requirements and offers, your credit worthiness, your state of residence, and the type and term of the loan you request. You will be given the details on the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement during the loan request process.

The APR on a short term loan can range from 200% to 2,290% depending on how the APR is calculated (nominal vs. effective), the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on. See a Representative Example

Borrow $200 for 14 days with a $30 to $60 lender fee. Your estimated APR is 391% to 782% Calculation: (lender fee / loan amount) x (amount of days in a year / duration of the loan) x 100 Low End of Range: ($30 / $200) * (365 days / 14 days) x 100 = 391.07% High End of Range: ($60 / $200) * (365 days / 14 days) x 100 = 782.14%Payday loans are relatively expensive when compared with other loan products. Payday loans are not recommended as a long term financial solution and they should only be taken for emergency financial needs.

The APR on online personal loans can reach up to 1,386% depending on the lender’s terms, borrower’s residence state, the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan extension plan, and other factors. Some states cap APR and the amounts of charges for online personal loan.

Implications of Late Payment

You are encouraged to contact your lender as soon as possible if you are unable to repay your loan on the scheduled repayment date or make regular installment payment on time. Your lender may set late payment fees in accordance with state regulations, and your lender has several courses of action to deal with late payment. For more information about your lender’s specific procedures as they apply to late payments, please review your loan agreement or contact your lender directly. Origination, documentation and other additional fees may apply to your online personal loan deal. Late payment, non-payment fees and other penalties may apply to both short term and online personal loan deals in case of missed payments. Please review your loan agreement carefully for information about the financial implications before you provide your electronic signature.

Implications of Non-Payment

The costs associated with loans of up to $500 can range from 15% to 40% of the entire loan amount, and the charges associated with loans of more than $500 can be even more. Your lender may also charge you late fees as well as fees for non-sufficient funds. As an example, your lender may charge you a $20 nonsufficient funds fee as well as 15% of the loan balance as a late fee. Please review your loan agreement carefully for information about the financial implications of non-payment before you provide your electronic signature.

Non-payment may involve debt collection practices as it is set by applicable law. The majority of the lenders in our network do not intend to sell your debt to outside collection agencies. Instead, they will attempt to collect the debt in-house via telephone, email, postal mail or even text message. Similarly, they will not threaten criminal charges or sue borrowers; they will generally offer debt settlements over time instead. Every lender in our network is required to adhere to the Fair Debt Collection Practices Act, which protects consumers from being abused or harassed by debt collectors.

Impact on Credit Score +

Lenders are within their rights to report your failure to repay a loan to one or all of the major credit reporting agencies — Experian, Equifax and Transunion. This negative record can be reflected on your credit history indefinitely until the loan is repaid in full. After the lenders receive payment in full, they can report it to the credit reporting agencies. We remind that late payment or non-payment of your loan can have negative impact on your credit history.

Some of the lenders in our network may automatically renew your short term loan if it becomes past due. This term is clearly identified in your loan agreement. You should check your loan agreement for your lender’s policy on automatic loan renewal prior to e-signing it. If your loan is renewed, there will be additional charges as determined by your lender, and the minimum term can be set up. Your lender may offer you other options in addition to renewal, including the ability to repay your loan in full at a later date or repay your loan over time in a series of installments.

Legal Disclaimer: This website does not constitute an offer or solicitation to lend. LoanSolo.com is not a lender and does not make loans or credit decisions. Loansolo.com provides a matching service only and is not acting as a representative, agent, or correspondent for any of the lenders we contract with. Loansolo.com does not charge a service fee. Loansolo.com does not control and is not responsible for the actions or inactions of any lender. Loansolo.com does not endorse any particular lender or loan product. You are under no obligation to use the service, initiate contact, or request credit with any of the lenders. This service is not available in all states. The residents of Arkansas, New York, Vermont and West Virginia will not be able to use the service of the website. Service availability and scope are subject to change without notice. Subject to our privacy policy, loansolo.com will transfer your information to lenders in our program and other service providers and marketing companies with which we do business who may or may not offer payday loans up to $1,000 and online personal loans up to $3,000. Loansolo.com does not guarantee that completing an online form will result in your being matched with a lender, being offered a loan product with satisfactory rates or terms, or a loan product of the requested sum or desirable terms, or receiving any approval from a lender in the first place.

Credit Check: Participating lenders may verify your social security number, driver license number, national id, or any other state or federal identifications and review your information against national databases, including but not limited to Equifax, TransUnion, and Experian, to determine your credit worthiness, credit standing and/or credit capacity. By submitting your information via our online form on this website, you agree to allow any and all participating lenders to verify your information and check your credit. Not all the lenders in our network can provide up to $1,000 in payday loans and $3,000 in online personal loans. The limits and regulations vary from state to state. Cash transfer times and terms may vary from lender to lender.

Consumer Notice: We remind that payday loans and online personal loans for small dollar amounts are not a long term financial solution. These credit options imply relatively high interest rates and become a very costly solution if used improperly. Consumers that seek funds for longer terms or debt relief should consult credit advisor prior to making credit decisions of taking a short term or an online personal loan for small dollar amount.

Water Damage Clean Up In Salt Lake City

From leaky pipes to natural disasters, Quick Dry Restoration specializes in water damage clean up in Salt Lake City.

Quick Dry Restoration is a young company situated right here in Salt Lake City. What we lack in years we make up for in customer service and superior drying services. If your home has water damage in Salt Lake City contact us first for an honest and reliable assessment.

Water damage clean up in Salt Lake City is more than just sopping up the water. Water and moisture often hides in inconspicuous places. This is where the risk of mold, mildew, and bacteria growth pose a great threat on your home. Top of the line equipment and techniques are used to thoroughly dry, clean, and sanitize.

Salt Lake City Disaster Recovery

Time is not on your side when a disaster occurs. The longer you wait for help the worse the problem gets. Water damage in Salt Lake City is a real problem for your home. Water damage rots wood, de-laminates plywood, rusts steel, and not to mention the loss of personal items.

Water damage has its own classification system:

Clean water is just how it sounds…clean. Clean water does not pose any health risks. This type of damage is more frustrating than harmful.

Grey water contains contaminants that are known to cause illness when exposed to. Common household appliances containing grey water are dishwashers, washing machines, and toilet bowls.

Black water contains high levels of unsafe contaminants such as bacteria and fungus that can lead to serious illnesses when exposed to. Commonly found in sewage, seawater, and rivers or streams.

Any type of water can cause a great deal of damage to your property. Professional water damage clean up in Salt Lake City gives your home the best odds of returning to its original condition. Salt Lake City disaster restoration techniques and specialized equipment are used to remove water and moisture quickly and safely preventing the growth of mold.

The most important thing to remember during an indoor flooding situation is to act fast. Contact Quick Dry Restoration for immediate assistance. Our technicians are available when you need them 24 hours a day 7 days a week. We work with all insurance companies and bill the insurance company directly.

When it comes to owning a pet, there comes a lot of expenses. These expenses can add up and eventually make you spend a lot more than what you want to because of how expensive it is to keep restocking on litter, food, equipment, and toys. This is one main reason some pet owners set their pets free, but that’s the last thing you want to do for a domestic cat, as it won’t have enough skills to survive on its own.

There are a variety of methods that you can use to save money while owning a cat and taking care of it without affecting your pet’s health. One way is to take away expenses that is unnecessary such as purchasing premium cat litter or expensive cat treats. As cats don’t need expensive litter or treats to stay healthy, these are some expenses that can be taken away or reduced.

Another method to reduce your expenses is to try and build your own cat toys or trees, as this is entirely possible with some tutorials online and with a bit of guidance from family and friends who have experience. As cat toys and trees are recommended for your cat’s moral, we don’t recommend that you don’t have them at all, but we recommend that you build or get your own without spending much on it. By getting a few pieces of wood blocks and rugs, you can build your own cat tree and with sticks and string, you can make your own cat toys as well to reduce your pet’s expenses.

Expenses shouldn’t be the thing in your mind when you are playing and taking care of your cat, as it will prevent you from loving your pet to the fullest. By using our recommendations above, you can remove some expenses that can be removed, so that they are a bit easier to pay off and you won’t have to worry about it as much.

You work hard all year to get to where you are and provide what you can for your family. But chances are you may come across fraudsters who will trick you into scamming you out of your hard-earned cash. To prevent this from happening to you, we’ve narrowed down some of the beset tips to avoid such situations.

Here are five tips to help you avoid financial scams.

Avoid Buying Products From An Infomercial on Television

Why you might be enticed by the items being sold for a limited-time-only; buying products off the TV can cost you a few risks. If you are unsatisfied with the product and want to return it, there will be some challenges in the process.

Donate to Established Charities

If you receive a call from a charity that is unknown or unheard of, be sure to check out the organization prior to donation. Be sure not to provide any information and look up recognized charities that have a strong reputation of putting their donations where it is needed to be.

Be Wary of Home Repair Scams

Make sure to beware of contractors who show up on your doorstep and recommend that your roof needs a repair. Before you consider hiring them, ask for a business card and investigate the company.

Be Cautious About Discussing Your Financial Situation

Whether you want to admit it or not – even the closest members of our family can become thieves. If you feel that someone’s intentions are wrong, talk about the situation with the family and even the police. Be cautious about confidential information where others can hear you.

Don’t Accept Checks That Are Unexpected

While it is always a fantasy to receive large sums of money, many scams have involved mailing a fake check. These forms of scams request the victim to send back a portion of the check amount. This has involved many arrests of those who didn’t expect it.

Do you have any experiences in dealing with financial scams? Comment below and tell us your story!

In order to achieve effective planning for your retirement, this also involves the use of good financial decisions as well as avoiding the mistakes that many citizens make. In this guide, we still help you prevent such mistakes.

Here are five retirement savings mistakes you must avoid now.

Failing to Plan Early

Most often, citizens wait too late to start saving for their retirement and end up coming in short. Investing in small amounts early on will make a huge difference in the long run. Due to the compounding of investment returns, even a small contribution to the IRA will make a difference.

Conservative Asset Allocation

Asset allocation is how your device your money across investments that includes bonds, stocks, and cash equivalents. You don’t want to be aggressive. However, being too cautious will not improve your benefits.

Underestimate How Long You Expect to Live

Life expectancy is unknown and when it comes to determining how much you need, you might often fall short. Be on the safe side and calculate your financial needs based on your age within the nineties.

Failing to Roll Over Savings When Changing Employers

Over 4% of people who change their employment often withdraw the money from their retirement plans and end up spending it. When you change jobs, make a request to have a direct rollover to another employer plan or IRA. This will prevent you from paying income tax as well as avoid any penalty. However, if you choose to have the distribution made directly to you, it is possible to make a roller within the first sixty days, free of tax.

Borrowing Your Retirement Plan

When you borrow from your 401k plan, you will be required to pay back the amount within five years or else the loan will be a noted as a premature distribution. This means you will be subjected to income tax and penalties for early withdrawal.

Hoy any tips on how to avoid these retirement saving mistakes? Comment below and tell us what you think!

When it comes to buying a home, the process is much more complicated than it is led on to be. In this guide, we hope to make things easier to comprehend and smooth the process for those buying for the first time.

Here are four tips first time buyers must learn before purchasing a home.

Set Realistic Guidelines

The fastest way to decide on how much you can afford on your new home is to determine the size of the mortgage payment. Will the payment fit well into your monthly budget? According to financial experts, your monthly cost should not reach more than 30% of your monthly income. This includes your mortgage payment, interest payment, insurance and property taxes.

Don’t Forget About All the Extra Expenses

When evaluating the monthly mortgage plan, it is important to remember the extra expenses that you will pay each month. Utility bills will increase once you move into a larger space than you once had. You will also need to pay for the entire moving process.

Consider Your Credit Rating

When applying for a mortgage, the lender will check your financial statements to determine if you will qualify for the loan. If you have a large outstanding debt to pay off or poor credit in general, this will affect your chances of getting approval for a mortgage.

Take A Look at Tax Advantages

Buyers will be allowed to reduce the interest of up $1 million of debt. You can also deduct the taxes on real estate you will pay on your house. Just be sure to consider the timing of the purchase. Homes that are purchased late in the year will have no tax deductions as home buyers are better off with the standard deduction.

Got any tips for the first-time buyers? Comment below and share your tips with us!

Designed for any locations accessed by the general public, including: schools, day care centres, aged care facilities, hotels, shopping centres, hospitals and medical clinics, public and private transport, and building maintenance. Effective on blood, urine, vomit, faeces and any other liquid spill which poses an infectious health risk. There is sufficient absorbent and tools in each kit to contain and control the average stomach volume . Highly effective, readily incinerable and competitively priced. Absorbent sachet also sold separately.

Contains high capacity sorbent, PPE and clean-up accessories. No latex.

Comes in compact plastic bag with detailed instruction card.

Each kit contains enough sorbent for 500mL of liquid.

Sorbent is made from organic fibres and is 100% incinerable.

Kit contains dust-free, disposable Nitrile gloves. No latex.

Has been designed to absorb the average liquid stomach volume. No need for extra kits.

Superior performance and lower cost of use. Absorbs almost twice the volume of other kits.

Does not contain disinfecting solution, so kit has almost indefinite shelf life.

Australian Standards Compliance: All Enretech kits comply with the latest Australian Standards and Federal NOHSC (ASCC) Codes or Practice that pertain to the handling, storage, clean-up and disposal of Dangerous Goods and Hazardous Substances: NOHSC: 2007(1994), 1005(1994), 1015(2001) and AS NZS 3816-1998 Management of clinical and related wastes.

We are a local business who specialize in mobile car air conditioning. diagnosis, repairs and servicing of cars, commercial and plant vehicles. We have been in the motor trade for many years providing our clients with top quality professional services.

We pride ourselves on giving the best service with the most affordable price and best of all we DO NOT charge VAT, saving you even more money. We also GUARANTEE to beat main dealer prices every time!

Keep your cool mobile car air conditioning is a division of www.premiercarservices.co.uk which was introduced into the business because we could see a market was developing for providing a mobile service rather than people travelling to a garage and having to wait an hour, plus have to pay high repair bills as and when needed.

A little background.

We used to work for main dealers until one day (year 2000) we decided it was time to break away and start our own business. Although working for main dealers was good, we saw that most of the time everything seemed to be rushed and in some cases the client was not given the full 100% attention they deserved, so we took it upon ourselves to change that and provide a personal touch of our own. It doesn’t matter if you have the best tools, the best premises, the best advertisements, if you don’t look after your clients, you have nothing because they will look elsewhere and you will end up not having a business!

About The Parts We Use

There will be times when you will need to have parts replaced as they may be damaged or worn out. Unfortunately there are companies

out there that use poor quality parts and give you a cheap price to do the work neccessary to repair your air conditioning and ultimately

you will find that the part will fail relativley quick leading you to have to sort out this issue. We use quality parts and have never had a

I am ready to order but. What if I pick the wrong shade range or foundation color?

No problem. Dinair offers a one-time foundation exchange for new Dinair customers’ first-time foundation purchase of up to 4 foundations*. Based on this marvelous offer, you can pick your foundations online now, and get started with confidence.

Our Color Match Experts are available to help you pick your colors. Color matches are typically done during the same business day.

*Exchange offer good within 30 days of purchase.

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BRIDAL AIRBRUSH MAKEUP WORKSHOPS

Earn More in 3 Days Than You Ever Thought Was Possible! Increase Your Earning Power by Mastering the Art of Bridal Airbrush Makeup.

Dinair has created professional makeup artists in over 60 countries for over 30 years. Dinair invented airbrush makeup for daily wear, glamour, high definition, paramedical and camouflage techniques.

This program will focus on the fundamentals of bridal airbrush mastery, from equipment knowledge, to color correction and color theory. Each student will learn to create clean, flawless, airbrush looks using foundation, blush, contour & highlight techniques, brows, eyes, lips and more! This course takes the student through implementing techniques that can be used in Bridal, Red Carpet, and Editorial makeup. Benefits include:

Learning from the World’s Leading Experts

Greatly Expanding Your Services to Clients

Profiting from Lucrative Revenue Sources

Artistry Support from Dinair Team after Graduation

Becoming a Certified Dinair Airbrush makeup Artist

Dinair, a photographer favorite!

Whether you’re a first-timer or desire advanced airbrush makeup training-you’ll make extraordinary breakthroughs in your artistry in a minimal amount of time. You’ll be able to:

Faster makeup, happier clients = more money!

The Originators and Leading Authority of Airbrush Makeup!

We’ve set the standard, perfected the art, created the trends, developed the techniques that shaped the industry. And for over 30 years, we’ve been sharing this knowledge and expertise through our professional workshops in the USA, Canada, Europe and Asia.

earn techniques mastered over an expansive career in professional airbrush makeup by Emmy Award-Winning celebrity makeup artist Dina Ousley!